Gen H cuts fixed rates up to 95% LTV (3 November 2026)

Created Nov 3, 2026 • AI-generated summary

On 3 November 2026, Gen H announced cuts of up to 25bps across its two-, three- and five-year fixed rate ranges up to 95% LTV, ahead of an expected Bank of England base rate increase on 5 November. Two-year fixes at 95% LTV fell 25bps to start at 6.88%, two-year fixes at 85–90% LTV fell 20bps, and three- and five-year fixes at 85% LTV and above fell 5bps to start at 6.64%. Lowest rates: 5.74% two-year fixed £500k-plus special at 80% LTV (£1,999 fee); 5.79% core two-year fix at 60% LTV (£1,499 fee); 5.99% fee-free existing-customer two-year fix at 60% LTV. Chief distribution officer Sara Palmer said the biggest cut was at 95% LTV. Membership limited to coverage of this specific 3 November 2026 Gen H rate reduction.